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Refinancing a mortgage in Bieber, California

The typical owner-occupied home in Bieber is worth about $142,600, 81% below the California median of $734,700 and 57% below the national median of $332,700. Owners pay a median $1,750 a year in property taxes, about 1.23% of their home's value, higher than the California rate of 0.70%. 84% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.

Bieber at a glance

Bieber California U.S.
Median home value $142,600 $734,700 $332,700
Median property tax paid per year $1,750 $5,124 $3,119
Property tax as a share of value 1.23% 0.70% 0.94%
Median household income – $99,122 $80,734
Homes lived in by their owners 84% 56% 65%
Owner homes with a mortgage 39% 67% 61%
Median monthly costs, owners with a mortgage – $2,946 $1,963
Median rent – $2,036 $1,413
Median year homes were built 1951 1976 1980
Vacant homes 40.5% 7.5% 10.1%
Population 266 39,287,377 334,922,499

What refinancing could save in Bieber

Say you owe $86,000, about 60% of the median home value here, on a 30-year loan at 8.11%. Refinancing into a new 30-year loan at this week's average of 7.11% would cut principal and interest from $638 to $579, saving about $59 a month.

Closing costs often run 2% to 5% of the loan. At 3%, about $2,600, the savings would cover the costs in about 44 months, so refinancing pays off if you keep the home longer than that.

A 15-year loan at 6.45% would raise the payment to $747, but you'd pay $73,849 less interest than on the new 30-year loan.

The average 30-year rate is 0.87 percentage points higher than a year ago, when it was 6.24%.

Refinancing a $86,000 balance
Current loan at 8.11%, 30 years$638
New 30-year loan at 7.11%$579
New 15-year loan at 6.45%$747
Monthly savings with the new 30-year loan$59

Principal and interest only; taxes and insurance stay the same.

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Questions about mortgage refinance in Bieber

What is the median home value in Bieber?

About $142,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.

How much are property taxes in Bieber?

Homeowners pay a median $1,750 a year, which is about 1.23% of the median home value. Your bill depends on your home's assessed value and local rates.

When does refinancing make sense?

When the monthly savings repay your closing costs before you expect to sell or refinance again. This week's average rates are 7.11% for 30 years and 6.45% for 15 years.

More about Bieber

Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data